As for the frames, it is not difficult to creat a web site with frames. I noticed you have used Front Page to create your web site. If you dont have much knowldge of designing and building a web site with or without frames, product such as Front Page and Dreamweawer makes things a lot simpler and easier. Just follow the instructions and help documents provided by these products and you will have a site running with frames with easy. You can also use the templates provided by these producs or using the Front Page etc just open up the ForumCo template(You must be logged in to see this link.) Padraic has mentioned.
Hope that made sense. Just follow the instructions provided by Front Page to create a web site with frames.
On reflection, I've decided I like to look without the frame (you can see more forums etc on the page). I've tweaked the colours so it looks more corporate & that facility is a real help.
If I decide to add the frames at a later date & I can't work it out I'll get back to you again.